A tech company can’t shoot me with impunity under “qualified immunity”. Put me in jail, harass me because I don’t look like a belong in my own neighborhood, take my property under civil forfeiture without a trial…
You're right about these most serious adverse outcomes, but don't forget what could happen if you (say) randomly get your Big Tech account locked/suspended/banned for some reason that was ultimately erroneously flagged by an AI, and then cheerfully executed at scale.
The examples you provided are more fundamental and I won't trivialize them, but making you lose your "keys to your own digital space" is a very real power they have over you.
Okay? I lose my Google account and lose my Google Photos, they are also backed up to iCloud and One Drive and vice versa. All the music I bought back in the day from iTunes is DRM free and has been since 2009.
I lose my Amazon account, so what?